Insurance Insights
Straight answers on home, auto and wildfire insurance for Northern California homeowners and drivers.
Roof Age and Home Insurance in California: What Insurers Look For
Your roof is one of the biggest factors in whether a California home can be insured. Here’s how insurers look at roof age, material and condition, and what to do about it.
Insuring an ADU or Rental Property in California
How to insure an ADU, junior ADU or rental property in California: attached vs. detached coverage, renting to tenants or guests, landlord policies and building an ADU.
Condo and HOA Insurance in California: HO-6 Coverage, Master Policies and Loss Assessments
How condo (HO-6) insurance works with your HOA master policy in California, why loss assessment coverage matters, and what’s changing for California HOAs.
What to Do After a Wildfire: A California Home Insurance Claim Guide
A step-by-step California wildfire insurance claim guide: your first 30 days, your rights including the new 60% contents rule, living expenses, and how to prepare before a fire.
Are You Underinsured? Market Value vs. Rebuild Cost for California Homes
Many California homeowners find out after a fire that their coverage won’t rebuild the home. Here’s the difference between market value and rebuild cost, and how to close the gap.
Earthquake Insurance in California: How It Works and Is It Worth It?
Your California homeowners policy doesn’t cover earthquakes. Here’s how earthquake insurance and CEA deductibles work, what’s covered, retrofit discounts and how to decide.
Selling Your California Home? How to Make It Easier to Insure
In California, home insurance can make or break a sale. Here’s what buyers’ insurers look at, how sellers can prepare, and why to keep your policy in force until closing.
Buying a California Home That Needs the FAIR Plan: A Buyer’s Guide
More California buyers are closing with FAIR Plan coverage. Here’s how it works with your mortgage, why you need two policies, how to budget, and the timeline to follow.
New California Home Insurance Laws for 2026: What Homeowners Need to Know
Nine new California insurance laws took effect January 1, 2026. Here’s what the home insurance and wildfire laws do, in plain English, and what they mean for you.